Poor Esure. Profits are down and it’s not even their fault (‘No, Mr Lawyer, we expected you to die’).

Why do insurance premiums need to rise when the number of motor claims registered and settled is falling and the amount of money paid out is down?

I am a simple legal marketer, but I vaguely recall from my economics lectures that prices rise when costs increase. Clearly, the cost of compensation is falling and therefore insurers will make smaller profits. Right?

Perhaps the meerkat, robot or opera singer have had inflation-busting pay rises recently. Or is it more likely that their bottom lines are now missing out on referral fees? Shame.

Andy Cullwick, head of marketing, First4lawyers, Huddersfield